Natural hazards · La Paloma

La Paloma, TX natural hazards

Most of the natural-hazard damage FEMA expects in La Paloma comes from hurricanes, and overall the risk is high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is La Paloma?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Paloma to be higher than in 74% of U.S. communities, mostly from hurricanes and cold waves.

Hurricanes45%Cold waves28%Inland flooding17%Heat waves5%Everything else6%

By hazard

What La Paloma faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

45% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 6 years in the area

Cold waves

28% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

17% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 3 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 8 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does La Paloma flood?

FEMA's records show no paid flood insurance claims in La Paloma.

of homes in flood zones
are insured

of all homes
are insured

No community discount. La Paloma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cameron County.

Disasters that hit La Paloma

Federal disasters declared here

None of the disasters declared for Cameron County shows FEMA aid or repair money reaching La Paloma itself in FEMA’s records.

Brought FEMA money into La PalomaDeclared for Cameron County only

Cameron County has had 29 natural disasters declared since 1953, most often hurricanes and floods.

Around La Paloma

La Paloma and the towns around it

Very lowLowModerateHighVery high

La Palomamostly hurricanesHigh

Palmermostly hurricanesHigh

San Benitomostly hurricanesHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. La Paloma is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to La Paloma’s own flood-insurance community; household aid to the registrant’s city; repair grants to La Paloma. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.